Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Injury or Sickness requiring evacuation must occur while on a Trip with a Destination of at least 100 miles from the Insured’s Primary Residence. Pays for special medical escort if recommended in writing by the attending Physician.

Medical & Dental Expenses

Pays up to the Maximum Benefit shown on the Schedule of Benefits for necessary medical expenses due to Injury or Sickness incurred while on a Trip. Initial treatment must be received while on a Trip with a Destination of at least 100 miles from the Insured’s Primary Residence. Primary Coverage. (Medical Expense coverage is secondary for residents of FL.)

Accidental Death & Dismemberment

Pays for loss of life or limb due to an accident during your Trip.

Pre-Existing Medical Condition Exclusion Waiver

The Company will not pay for any Loss or expense incurred as the result of an injury, Sickness, or other condition of you, a Traveling Companion, Business Partner, or Family Member which, within the *60-day period immediately preceding and including your coverage effective date: (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care, or treatment; (b) for which care or treatment was given or recommended by a physician; or (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.

The Company will waive this exclusion if you meet the following conditions: 1. You purchase the plan within 15 days (within 21 days for residents of MN), of making your initial trip payment; 2. The amount of Trip Cancellation coverage purchased must equal the full cost of all prepaid, non-refundable payments or deposits applicable to the Trip at the time of purchase and the cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days (within 21 days for residents of MN), of the date of payment or deposit for any subsequent Trip arrangement(s); 3. You must be medically able to travel when you pay your plan cost; 4. The Trip Cost does not exceed $100,000 per person (only applicable to Trip Cancellation/Interruption).* Day period varies by state and by coverage plan.

Trip Cancellation & Interruption

Provides reimbursement for unused, non-refundable, pre-paid trip costs if you are prevented from taking your trip due to a covered reason.

Provides reimbursement for unused, non-refundable, pre-paid trip costs if your trip is interrupted due to a covered event. Also provides reimbursement for the additional transportation cost to return home or rejoin your group.

For a complete list of covered reasons please refer to your description of coverage, available within the application process prior to purchase.

Reimburses the fee charged by a Common Carrier for changing a ticket prior to the scheduled Departure Date due to any of the Unforeseen events listed under Trip Cancellation andInterruption, subject to the Maximum Benefit.Not Available in (NY, AK, MO, OR, PA, KS, MN, WA)

Trip Delay

Reimburses up to $300 per day/per person up to the Maximum Limit shown on the Schedule of Benefits for Reasonable Additional Expenses if the insured is delayed for more than 5 consecutive hours due to a covered reason.

Missed Connection

Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for 3 or more hours to your point of departure.

Car Rental Collision Coverage

$35,000 in primary coverage. Covers physical damage to a rental car for which the car rental contract would hold you responsible.Not Available in (KS)

Trip Cancellation for Any Reason (Optional Coverage)

Provides reimbursement of 75% of nonrefundable expenses if you cancel your Trip for any reason, up to 48 hours prior to your departure. (Cancel for any Reason can only be purchased at the time the base plan is purchased and within 15 days of initial trip payment. Coverage must be purchased for the full cost of trip.)Not Available in (NY)

Baggage & Sporting Equipment

Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefit. Primary Coverage.

The Company will reimburse the Insured up to: $5,000 for the first item and thereafter, $5,000 per each additional item, $5,000 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, and electronic devices. Items over $150 must be accompanied by original receipts.

Baggage Delay

If your Baggage is delayed more than 6 hours, you can be Reimbursed for the purchase of Necessary Personal Effects, up to the Maximum Limit shown on the Schedule of Benefits.

Baggage Return

Reimbursement for shipping expenses incurred for lost or stolen baggage, up to $1,000. Not Available in (NY, AK, MO, OR, PA, KS, MN, WA)

Baggage Delivery

Reimbursement for the Common Carrier delivery charges, up to $1,000. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim. Not Available in (NY, AK, MO, OR, PA, KS, MN, WA)

Security Evacuation (Premium & Elite Plans only)

If, as a result of an Occurrence that takes place during an Insured’s Trip and while traveling outside his or her Home Country, an Insured requires a Security Evacuation, the Insurer will pay a benefit to Transport the Insured to the Nearest Place of Safety.Not Available in (NY, AK, MO, OR, PA, KS, MN, WA)

24/7 Emergency Assistance Services

These services offer on-the-spot and immediate assistance for unexpected problems that can arise during your trip. The hotline operates 24/7 for help anytime, any place while traveling.

Concierge Services

Whatever you need, whenever, wherever you need it, you can call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more.

Identity Theft Resolution Services

If your identity is stolen during your Trip, our emergency travel counselors will assist in contacting your credit card companies, monitoring your credit report and working with local authorities to help you restore your identity. Not Available in (NY)

File Your Claims with Ease

Filing a Travel Guard claim has never been easier and more efficient with our new online claims filing technology. Our online claims tool offers you the ability to:

Submit your claim online

Obtain a claim number instantly

Upload documents via smart phone or other devices

E-sign important claim documents

Check the status of a claim online, anytime

Contact a claims adjuster in the message center

Receive instant text or email updates on a claim status

To submit your claim via online visit www.aig.com/travelclaims.

You can also call Travel Guard at (877)828-6717 to initiate your claim. During this call, you will be provided with a claim number.

Please submit claims documentation via the following methods:

Email to claimsdoc@aig.com

Via fax to 715-295-1113, or

Via mail at:AIG ClaimsPO Box 47Stevens Point, WI 54481

35+ Years Handling Emergency Travel Assistance

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California license no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.

Assistance ServicesExpenses incurred from third party vendors for all assistance services not part of a filed insurance plan are the responsibility of the traveler.